• Regular Checking
• Business Checking
• NOW Account
• Savings Account
• Christmas Club Savings
• Bee A Saver Children's Savings
• Money Market Account
• Certificates of Deposit
• Individual Retirement Accounts
• Credit Cards
• ATM / Debit Card

Regular Checking
There is NO CHARGE for a regular checking account regardless of your balance or the number of checks written.  We will send an Image Statement to you each month.  The checks will be easier to read and will be sorted in number sequence for quicker statement reconciliation.  We can even email your statement to you monthly if you prefer!  We can also set up your checking account for overdraft protection with an automatic transfer from your savings account.  There is no charge for this service!

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Business Checking
Identical to our regular checking, we offer you many styles and designs of checks to suite your business needs. Bookkeeping will be a snap with our easy-to-read Image Statements which you can receive as often as twice a month.

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NOW Account
A checking account that earns interest! Interest accrues based on your daily balance and is paid to your account monthly. The minimum balance to avoid a $5.00 service charge is $1,500. Check our current rates and Terms and Conditions for more information.

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Savings Account
There is no minimum balance required for our passbook savings accounts. Interest accrues based on your daily balance and is paid to the account quarterly. Statements are sent twice a year. Unlimited transactions can be made in person with preauthorized, automatic or telephone transfers limited to 6 per month. Ask for our automatic overdraft protection to checking from your savings account. Check our current rates and Terms and Conditions for more information.

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Christmas Club Savings
We will send you a check each November to do your holiday shopping! Deposit to this account throughout the year and earn our savings rate. No minimum balance required and interest is paid annually. Check our current rates and Terms and Conditions for more information.

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Bee A Saver
Children's Savings
For children age 12 and under, this savings program makes saving fun! Open your account with $5.00 and the bank will put in $5.00 too! Every time you deposit, select a special prize from the basket, and don’t forget to register for the special monthly drawing open to all children. Check our current rates and Terms and Conditions for more information.

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Money Market Account
Interest accrues daily and is paid to your account monthly. Transactions are limited to 6 per month. A $5.00 monthly service charge will be charged if your balance falls below $2,500. Check our current rates and Terms and Conditions for more information.

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Certificates of Deposit
For as little as $500, your money can earn a higher rate of return with one of our certificates of deposit. Rates vary according to maturities. Substantial penalty for early withdrawal. Check our current rates and Terms and Conditions for more information.

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Individual Retirement Accounts
Secure your future with a traditional IRA, self employed pension (SEP), ROTH IRA or Coverdell savings account for your student. These funds earn a special 12 month retirement account rate. Check our current rates.

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Credit Cards
Pick up an application for a Visa today. There’s no annual fee, a 25 day grace period, and you can view your account activity on line.

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ATM / Debit Card
Use the Farmers National Bank check card like a credit card, but your purchases and withdrawals are paid directly from your checking account. There’s no bill to pay later. Accepted worldwide wherever you see the Visa logo. There is no charge to receive or use this card; however, you may be charged a small fee for cash withdrawals at an ATM.

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